Compulsory traffic insurance is the first compulsory insurance in China, only for the car on the compulsory traffic insurance, the car can drive on the road. There are some owners of friends, do not understand the car insurance, do not know the insurance coverage of compulsory insurance, do not know the specific premium of compulsory insurance, this article will introduce this knowledge in detail.
Compulsory traffic insurance is a compulsory insurance system stipulated in China, which is a compulsory liability insurance in which the insurance compensates for the personal injury and property loss of the victim (excluding the vehicle personnel and the insured) caused by the road traffic accident of the insured motor vehicle. The insurance coverage of compulsory traffic insurance is limited, only compensates the victim, and the compensation limit of auto insurance is relatively low.
The insurance premium of compulsory traffic insurance is unified, the average family car with less than six seats, the first year premium is 950 yuan, in the following years, the insurance cost is linked to the responsible traffic accident, if there is no responsible traffic accident for three years, the cost of compulsory traffic insurance drops 30%, if there are two or more responsible traffic accidents in the previous year, For motor insurance, the charge for compulsory insurance is increased by 10%, and for responsible road traffic fatalities in the previous year, the charge for compulsory insurance is increased by 30%.
The calculation method described above applies only to non-drunk driving situations. Since March 2010, many places have stipulated that China's car insurance compulsory insurance fees are linked to drunk driving, and if drunk driving is found, the next year's compulsory insurance fees will rise by up to 60%. Since May 2011, the department has stipulated that drunk drivers will be severely investigated and punished, as long as they are found to be a crime, as little as 15 days, as many as several months, in addition to fines and compensation. Here I need to remind the majority of owners, if drunk driving accidents, insurance will not compensate, must bear their own economic losses, so the owner of the friend must not touch the high-voltage line, otherwise a serious accident will lead to the death of the family.
Due to the limited insurance coverage of compulsory insurance, so the owner will supplement the commercial insurance for the car insurance, the three most important commercial insurance types are: vehicle damage insurance, commercial third party liability insurance, car personnel insurance. Because the traffic insurance does not compensate the accident party, so the owner can insure the vehicle damage insurance and the car personnel insurance to supplement, the vehicle damage insurance is to compensate the loss of the car, the car personnel insurance is to compensate the car personnel; Due to the limited compensation amount of traffic insurance, so the owner can insure the commercial third party liability insurance, with this insurance, when the traffic insurance compensation amount is insufficient, the commercial third party liability insurance will be supplemented, so that the economic loss borne by the owner is small.